1. All arrangements are made subject to the following terms and
conditions that are binding for all persons shown on the booking form. The
acceptance on the booking form is confirmation that the terms and conditions
are accepted by all those named.
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Our arrangements are made more than a year in advance and occasionally we
may have to alter the programme as advertised.We maintain discretion to make
these changes where absolutely necessary, In the event that we have to make a
major change or cancel your arrangements we will inform you as soon as
possible. Our main objective in these circumstances will be to minimise the
inconvenience to you. We will wherever possible offer you an alternative
arrangement as close as possible to your original choice. Should the alternative
offer be of higher value we will absorb the price difference. Should the offer be
priced at a lower level (e.g. different accommodation type) we will refund the
difference in price and provide you with a refund. You may also choose to cancel,
and receive a full refund of a monies paid (except insurance premiums).
Clearly such refunds do not apply if the reason for change or cancellation
is completely outside our controls or that of our suppliers i.e. force majeure,
caused by such events as reason of civil strife, riots, war, threat of war natural or
nuclear disasters, industrial action, fire or adverse weather conditions, then the
options above are the limit of our liability.
We do not operate nor own any of the services provided by transportation
companies by air or sea, bookings are made and are subject to international
agreements and the conditions of carriage of such carriers including changes to
schedules, equipment technical problems or delays at points of departure. The
airlines and destination airports are indicated in the brochures and subject to
similar conditions and we will be happy to confirm these details upon request. Our
escorted tours are operated by Finland Travel Bureau Limited who reserve the
right to re check the booking status of a tour and if need be cancel that tour and
inform all parties concerned one month prior to the departure date at the latest. |
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| (a) |
Transport between your home and departure airport |
| (b) |
Visa fees where applicable |
| (c) |
Options excursions and equipment hire. |
| (d) |
Gratuities for service provided on a personal basis. |
| (e) |
he cost of personal items such as laundry, drinks, meals and other
incidentals, unless specified. |
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We strongly recommend that you and all members of your party be adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below.We have arranged a special scheme with Blue Planet Travel Insurance Services Ltd, underwritten by Europ Assistance Holdings Ltd. who are authorised and regulated by the Financial Services Authority, registered number 311883.
Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy, and / or a key facts form of the insurance wording should you wish to examine this in advance.
The insurance will be subject to English law unless otherwise agreed.
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ADULT |
CHILD UNDER 18* YRS |
FAMILY |
SINGLE FAMILY |
| Up to 5 days |
£14 |
£7 |
£28 |
£21 |
| Up to 10 days |
£16 |
£8 |
£32 |
£26 |
| Up to 17 days |
£19 |
£10 |
£38 |
£29 |
* On date of policy issue.
These premiums do NOT include Winter Activities cover, which are 2 x the above.
Children under the age of 3 on date of policy issue – Free if accompanied by an Adult insured on the same policy.
Family definition – The main insured person, his/her spouse or common law partner and up to four dependent children under 18 years of age on the policy issue date. (In full time education and residing with them).
Single family definition – up to four dependent children under 18 years of age on the policy issue date travelling with their parent.
Maximum insurable age is 79 yrs at the date of the policy issue.
Insurance cover is only available to persons who have been resident in the UK for 6 months or more AND are registered with a NHS GP.
Medical Emergencies A 24-hour emergency medical service is provided by Europ Assistance. Telephone 0870 737 5900.
Section 1 – |
Personal Assistance Services |
Up to £250 |
Section 2 – |
Medical Expenses |
Up to £5,000,000 |
Section 4 – |
Additional Travelling costs |
Up to £1,000 |
Section 5 – |
Hospital Benefit |
Up to £250 |
Section 6 – |
Cancellation/Curtailment |
Up to £5,000 |
Section 7 – |
Travel Delay |
Up to £200 |
Section 8 – |
UK Departure Assistance |
Up to £500 |
Section 9 – |
Missed Departure |
Up to £1,000 |
Section 10 – |
Personal Baggage |
Up to £2,000 |
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Single article limit – |
£300 Adult & £75 Child |
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Total valuables Limited to – |
£300 Adult £150 Child |
Section 11 – |
Baggage Delay in excess of 12 hours |
Up to £100 |
Section 12– |
Money & Passport |
Up to £400 in all |
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Cash |
Total £200 |
Section 13– |
Personal Liability |
Up to £2,000,000
(excludes mechanically operated vehicles such as snowmobliles) |
Section 14– |
Personal Accident |
Up to £25,000
(excludes mechanically operated vehicles such as snowmobliles) |
Section 15– |
Legal Protection |
Up to £25,000 |
Excesses
Sections 2, 10 & 12 are subject to an excess of £50 per person per claim; Delayed baggage & Hospital Benefit Nil.
Please note : For claims under Section 2 (Medical Emergency & Repatriation or Section 3 Emergency Dental Treatment), no policy excess will apply when you receive inpatient treatment (where medically necessary) at a state hospital within the EU,EEA or Switzerland if you have used the form E111, or European Health Insurance Card to effectively reduce the cost of your treatment or medicines.
Claims
Should you need to make a claim, please contact the claims helpline 01444 442277 to obtain a claims form, giving your name and certificate number and brief details of the claim.
IMPORTANT NOTICE:
Your (travel) insurers, under the Association of British Insurers General Business Code of Practice, have to bring to your attention some of the important features of your insurance policy, including:
Health
You must contact the medical Pre-screening Helpline on 0870 737 5843 in the following circumstances: |
1. |
Where You have any medical condition or on-going medical condition for which You have received treatment, are on continuous medication or have visited/been referred to a specialist or have been a hospital in-patient during the period of 2 years of the date proceeding the date of issue of this certificate,
or |
2. |
Where You are on a hospital waiting list for in-patient treatment or where You are in receipt of a terminal prognosis,
or |
3. |
Where You have or have suffered from any of the following medical conditions: Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Disease (Cancer), Lung and or respiratory Disease (including Asthma where You have received in-patient hospital treatment), or had a Stroke. |
The above applies to You, and any close relative, travelling companion or person with whom you intend to stay whilst on your trip. |
Policy Document: this gives you full details of what is and is not covered and the conditions of cover. You must read the insurance policy carefully.
Conditions, Exclusions and Warranties: conditions and exclusions will apply to the individual sections of your policy while general exclusions; conditions and warranties will apply to the whole policy.
Property Claims: these claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. Your policy will set out what proof the insurer needs to support a claim.
Policy Limits: most sections of the policy have limits on the amount the insurers will pay under that section. Some sections also include other specific limits, for example, for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.
Policy Excesses: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of each claim. The amount you have to pay is the excess.
Reasonable Care: you need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
Complaints: the insurance policy includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.
Fraud: it is a criminal offence to make a fraudulent claim.
Dangerous Sports or Pastimes: if you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that your policy covers you.
Cooling Off Period: Your insurance certificate contains a ‘cooling off’ period of 14 days during which you can return the insurance document and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides on condition that you have not made the trip, submitted a claim, or know of any circumstances that may lead to a claim. The Insurance Policy is effected in England and is subject to the Laws of England & Wales.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY.
FAILURE TO COMPLY WITH THE TERMS & CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.
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